Cleveland Landlord Insurance

[John Conte]

I purchased a 5 unit, mixed use property, 3 storefronts, 2 residential, 6 car detached garage. It’s solid brick construction, 2 story, 3975 sqft, bought for 85k. 
my quote for insurance was 11k/yr, which seems very high to me. I am an out of state investor, but even so it seems orders of magnitude higher than the research I’ve done on insuring property in the area. 
Does anyone have any input? Or other options for insuring my property? I’m mostly looking for liability and some reasonable property coverage, the quote I got covers a rebuild to 1M, but I don’t need that and it’s driving my premium way up. 
Thanks!

[Ryan Evans]

State farm can do coverage based on a number of your choosing if it's over the cash value. I do this on my properties that are worth less than 100k. Though, I don't have experience in mixed-use so I bet that has something to do with it.